A non-correlated asset class, built for investors.
High Yield Vault is a life settlement investment platform serving investors across all 50 U.S. states. We originate, research, and present opportunities in the tertiary market for U.S. life insurance policies and uncorrelated with stocks, bonds, or real estate.
A direct answer, in one paragraph.
A life settlement is the sale of an existing life insurance policy to a third party for more than the policy's cash surrender value but less than its face value. The buyer assumes ongoing premium payments and receives the death benefit at the insured's passing.
A return profile engineered by actuarial data — not by markets.
Life settlement investments generate returns from contractual insurance payouts timed by mortality mathematics. The performance variable is life expectancy, not the S&P 500.
Zero stock market correlation
Returns depend on mortality — not on S&P 500 movement, Federal Reserve rate decisions, or geopolitical events. Uncorrelated with stock, bonds or real estate.
Three decades of market performance data
The life settlement asset class has been institutionally tracked since the 1990s. Participants including Apollo Global Management, Vida Capital.
Curated access via licensed partners
Every policy is sourced through our licensed life settlement provider network and reviewed by independent actuarial underwriters. Investors receive full documentation, including life expectancy reports and premium schedules.
A $60 billion opportunity, shaped by demographics.
Roughly 10,000 Americans turn 65 every day. As the baby boomer generation transitions into retirement, the tertiary market for U.S. life insurance policies has grown from an institutional niche into one of the largest non-correlated asset classes accessible to private capital.
Sources: Life Insurance Settlement Association (LISA) 2024 Market Data Report; The Deal's Life Settlements Report 2024; U.S. Census Bureau 2024 population projections. Past performance does not guarantee future results.
How to invest in life settlements with High Yield Vault.
A structured, fully documented process designed around patient capital and long-horizon allocations. Your Private Wealth Advisor manages the end-to-end relationship; execution runs through our licensed provider network.
Discovery call
A Private Wealth Advisor reviews your portfolio objectives, liquidity needs, and investment horizon. Confidential, no commitment, typically 10–15 minutes.
Opportunity review
You receive curated life settlement opportunities sourced through our provider network. Each includes an attending physician statement, carrier details, and projected IRR.
Documentation & structuring
If you proceed, our team coordinates the full documentation package. You receive confirmed documentation of ownership.
Ongoing servicing
Premium schedules, carrier relationships, and performance reporting are handled through our institutional servicing partner. You receive quarterly statements; payout occurs at policy maturity.
A referral relationship for advisors and brokers.
Financial advisors, insurance brokers, estate planners, and CPAs frequently encounter clients for whom life settlements are a meaningful planning option — either as a source of liquidity for policyowners, or as a non-correlated allocation for investor clients. High Yield Vault provides a structured referral channel with full documentation and clear compensation terms.
- Fiduciary clarity. Fulfill your obligation to inform clients of policy disposition alternatives beyond surrender.
- Structured referral terms. Transparent compensation documented before any client introduction.
- White-glove handoff. Your client works with a named Private Wealth Advisor; you remain informed throughout.
- Educational materials. Co-branded one-pagers, state regulation summaries, and client-ready explainers.
The people you'll actually speak with.
Every High Yield Vault relationship is anchored by a named Private Wealth Advisor. No call centers, no rotating contacts — one advisor, from discovery through payout.
Background in insurance underwriting and alternative asset allocation. Focuses on investor discovery, opportunity review, and portfolio fit.
Experience with family office and high-net-worth relationships. Specializes in non-correlated income strategies and documentation review.
Handles onboarding, documentation, and performance reporting. Primary point of contact for day-to-day questions.
Questions, answered directly.
Short, sourced answers designed to be citable. Can't find what you're looking for? A Private Wealth Advisor will address it directly on a discovery call.
View all FAQsWhat is a life settlement investment?
A life settlement investment is the purchase of an existing life insurance policy from its original owner for more than the policy's cash surrender value but less than its face value. The investor assumes responsibility for ongoing premium payments and receives the full death benefit at the insured's passing. Returns are contractual — driven by actuarial timelines rather than market performance.
Who can invest with High Yield Vault?
High Yield Vault works with investors across the United States who have capital outside of traditional public markets and are seeking non-correlated, long-duration alternatives. Every engagement begins with a consultation to determine whether the asset class aligns with your portfolio strategy, liquidity needs, and investment horizon.
How much can I get for selling my life insurance policy?
Life settlement offers for qualifying policies typically range from 4 to 7 times the policy's cash surrender value, though the final figure depends on the insured's age, health, policy type, face amount, and carrier rating. Our licensed provider network delivers a confidential evaluation at no cost after reviewing your policy details.
How are life settlement investments structured?
Each investment represents documented ownership of an individual policy purchased through our licensed life settlement provider network. Investors receive the full documentation package: a attending physician statement, carrier details, premium schedule, and documented ownership. Ongoing premium payments and carrier relationships are managed by our institutional servicing partner.
How liquid are life settlement investments?
Life settlements are long-duration, illiquid assets. Payout occurs at policy maturity — when the insured passes — which is projected by actuarial data but not fixed. This makes life settlements appropriate for patient capital and allocations that do not depend on short-term liquidity. A Private Wealth Advisor will review expected timelines against your liquidity needs during the discovery call.
Does High Yield Vault work with financial advisors?
Yes. High Yield Vault maintains a structured referral program for financial advisors, insurance brokers, estate planners, and CPAs whose clients may benefit from life settlements — either as policyowners seeking liquidity or as investors seeking non-correlated returns. Referral terms are documented before any client introduction.
Is High Yield Vault a new platform?
High Yield Vault is a modern life settlement investment platform operating in a mature, regulated U.S. asset class. While the platform itself is new, it is built on top of an established industry: the tertiary market for life insurance has existed since the 1990s, was recognized as legal property transfer by the U.S. Supreme Court in 1911 (Grigsby v. Russell), and has been institutionally tracked for roughly three decades. Execution is handled through our network of licensed life settlement providers with established operational histories. Our Private Wealth Advisors bring individual experience in insurance underwriting, alternative investments, and wealth management.
Speak with a Private Wealth Advisor.
A no-commitment discovery call to understand whether High Yield Vault aligns with your goals — whether you're evaluating an investment, considering selling a policy, or exploring a referral partnership.
Response within one business day. All communications confidential. Our offices are headquartered in Irvine, California, serving clients across all 50 U.S. states.
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High Yield Vault is a life settlement investment platform that originates, researches, and presents investment opportunities to investors. High Yield Vault is not a licensed life settlement provider. All transactions involving the purchase of life insurance policies are executed through our licensed life settlement provider network, which operates under applicable U.S. state regulatory frameworks. High Yield Vault is a newer platform operating in a mature, regulated U.S. asset class that has existed since the 1990s. Life settlement investments involve substantial risk, including the risk of loss of capital, and returns depend on factors including but not limited to the insured's actual life expectancy, ongoing premium obligations, and the financial strength of the issuing carrier. Life settlement investments are illiquid, long-duration assets and are not suitable for all investors. This page does not constitute an offer to sell or a solicitation to buy any security. Each opportunity is presented to investors following individual consultation and full documentation review. Investors and policy owners should consult with their own legal, tax, and financial advisors before making any decision.
